Florida vs Kansas Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Kansas is $810/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Kansas
Avg Annual Premium	$2,500	$1,690
Min Liability	$820	$550
Full Coverage	$2,500	$1,690
Fault System	No-Fault	No-Fault
Uninsured Rate	20.4%	7.2%
Registered Vehicles	17,661,160	2,408,340
Accidents/Year	264,917	36,125
Population	21,538,000	2,937,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Kansas

25/50 / 25 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

Kansas$550 – $1,690

Liability: $550Avg: $1,690Full: $1,690

FloridaFull rates, age breakdown, requirements →KansasFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Florida or Kansas?

Kansas has cheaper car insurance, with an average annual premium of $1,690 compared to $2,500 in Florida - a difference of $810 per year.

How do Florida and Kansas compare on fault systems?

Florida uses a no-fault system while Kansas uses a no-fault system. Both states use the same system.

What are the minimum insurance requirements in Florida vs Kansas?

Florida requires 10/20 / 10 liability. Kansas requires 25/50 / 25 liability. Minimum liability costs $820/yr in Florida and $550/yr in Kansas.

Which state has more uninsured drivers, Florida or Kansas?

Florida has a higher uninsured driver rate at 20.4%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida vs Kansas insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Florida

Kansas

Avg Annual Premium

$2,500

$1,690

Min Liability

$820

$550

Full Coverage

$2,500

$1,690

Fault System

No-Fault

Uninsured Rate

20.4%

7.2%

Registered Vehicles

17,661,160

2,408,340

Accidents/Year

264,917

36,125

Population

21,538,000

2,937,000